Issue 09 • 2020
W A T E R D O W N ,
Waterdown Farmers Market
C A R L I S L E ,
K I L B R I D E
Proudly serving Flamborough from the historic Township Hall at 25 Mill Street North Creating and protecting wealth for families and businesses since 1993. Contact Laurie or Karen today to book a meeting. Work Hard. Retire Well. Leave a Legacy.
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New safety measures. Same great haircuts. From extra sanitization to contactless check-in, we’re doing more to help keep you as safe as possible.
Waterdown Great Clips 94 Dundas Street East (Next to Walmart SuperCentre) 905-690-8338 OPEN 7 DAYS A WEEK! M-F 9-8 • Sat 9-5 • Sun 10-4
BACK-TO-SCHOOL HAIRCUT
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OFFER EXPIRES: October 30,2020 Not valid with any other offers. Limit one coupon per customer. No copies. Taxes may apply. Valid only at Waterdown Great Clips.
Learn more at greatclips.com/greatcare
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All salons are independently owned and operated. Contact your local salon for specific safety measures.
9/2/20 8:24 AM
Give yourself peace of mind with the right coverage for you.
Jeff Welsh, MBA Financial Advisor The Co-operators E3-145 Hamilton St N I Waterdown 905-690-2667 I jeff_welsh@cooperators.ca www.cooperators.ca/Jeffrey-Welsh
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PRESIDENT JAMES BAKER
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ADVERTISING SALES DAVID JOUBARNE david@thnmedia.com
CREATIVE DIRECTOR JASON STACEY
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CONTENTS
CONTRIBUT0RS PEETER POLDRE LESLIE STYLES GARETH SKIPP
PRINTING DOLLCO
Labour Day Ribfest at Burlington Centre Mall
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Waterdown Farmers Market
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Jalepeño Lemon and Lime Microwave Squares
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Autumn in the Air at Frootogo’s
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How Much Do I Need to Retire?
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Labour Day RIBFEST at Burlington Centre Mall By Leslie Styles
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LABOUR DAY RIBFEST was just as mouthwatering as ever this year, but done much differently. The Rotary Club’s new Drive-Thru Ribfest took place on September 7th at Burlington Centre Mall’s parking lot rather than the classic party in Spencer Smith Park. Only vehicles were permitted ensuring social distancing guidelines were met.
Grills were fired up as huge lines of waiting cars held hungry guests who ordered ribs, chicken, pulled pork, coleslaw, beans and cornbread from one of four award-winning vendors including Camp 31, Billy Bones, Pistol Pete’s Smokehouse, and Silver Bullet BBQ. East Side Mario’s and Blaze Pizza were open as well, providing guests with alternate options to suit every possible taste. A fundraising initiative of Rotary Burlington Lakeshore, the Ribfest also included live music by the James Anthony Band, inductees into the USA Blues Hall of Fame.
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y s i a D
Meet
GIVE A LOVING ANIMAL A NEW LEASE ON LIFE. Daisy is described as a sweet and gentle girl who despite her size, is a total lush. She is smart, loyal and eager to please. She is housetrained and knows basic commands. Daisy enjoys being close to her trusted people and is generally calm and gentle. Daisy is insecure and will need ongoing support from her forever family. She is currently being muzzle trained as she is leash reactive, and this should continue in her forever home. She will require more time than your average dog to decompress in a new environment. Once she is comfortable, training can start to build her confidence and socialization. She is truly a people pleaser, and very sensitive, so positive reinforcement training will be crucial in her success. Daisy will need: • A family with large breed experience • A strong and calm leader • A detached, low traffic home • A home without children or other pets 8
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SEX: FEMALE BREED: MASTIFF SHEPHERD MIX AGE: 6 YEARS OLD WEIGHT: APPROX. 80 LBS Daisy is currently being fostered in Toronto. If you are interested in adopting Daisy, visit www.fetchandreleash.ca/adopt to fill out an adoption application. For more information, email adopt@ fetchandreleash.ca
WAT E R D OW N
Farmers Market The fall Farmers Market is now selling the freshest produce in Waterdown from Connon Nursery’s parking lot. Until October 10th, they will be at this location on Saturdays from 9am until 1pm. Many of the old favourites can be found here including Jones Family Greens, Bartley’s Flowers, Top Market Meats, Hendry Farms products and more. After browsing, head across the parking lot to visit Michelle at the ‘Stuffed’ food truck and pick up your favourite variety of perogies and award winning dill pickle soup to enjoy at home. Heading down Centre Road? The Gunson’s Farm of Puslinch will be selling fresh veggies including corn on the cob, tomatoes, potatoes and more in the parking lot of Home Hardware. Mr. Gunson promises to be selling here until Jack Frost appears later on in the fall.
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Lemon + Lime MICROWAVE SQUARES
PREP TIME 5 minutes COOK TIME 5 minutes SERVES 9
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DID YOU KNOW THAT SUGAR AND SPICE MAKE DESSERTS OH SO NICE? A bit of heat is a surprisingly delicious complement to sugar. If your sweet tooth starts nagging you mid-evening, you’ll want something quick that’ll satisfy that craving. These easy-peasy jalapeño, lemon and lime squares can be made from scratch in under five minutes, using only your microwave. They pack a punch and are guaranteed to hit the spot.
INGREDIENTS • 1 1/4 cup (135 g) graham cracker crumbs • 1/4 cup (62.5 mL) melted salted butter • 1/4 cup (62.5 mL) melted butter, cooled for 5 minutes • 1/2 cup (100 g) sugar • 3 egg yolks • 1 whole egg • 1/3 cup (83 mL) lemon juice • 2 tbsp (30 mL) lime juice • 1 tsp (5 mL) Tabasco Green sauce • 1 tbsp (6 g) lemon and lime zest
DIRECTIONS STEP 1: For the Crust: Microwave 1/4 cup butter and mix together with graham cracker crumbs. Press firmly onto bottom of 9”, microwave-safe dish, lined with parchment paper. Cook in microwave at 80% power for 3 minutes. Check to make sure the crust is firm. If not, heat an additional 30 seconds. Set aside. STEP 2: In a separate microwave-safe bowl, mix 1/4 cup melted butter, sugar, egg yolks and egg until well combined. Whisk in lemon and lime juice, Tabasco Green sauce, zests and lemon juice together. STEP 3: Microwave in 1-minute intervals, stirring after each minute. Finish with 30-second intervals when it starts to thicken, until the mixture is thick enough to coat the back of a spoon. STEP 4: Pour lemon curd over crust. Let cool, then refrigerate for several hours or overnight. STEP 5: Cut into squares and enjoy.
newscanada.com
n m u t u A
In the Air AT FROOTOGO ’ S Article by Leslie Style | Photography by David Joubarne
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As you take a country drive into Waterdown, there’s no mistaking the smell of autumn in the air as you approach Frootogo’s Pumpkin Patch and Corn Maze on Parkside Drive. Giant sunflowers beckon you into this local family-run farm which offers a fun outdoor play park for the kiddies as well as the Soup-to-go store which sells award-winning soups, baked goods, honey, meals-to-go and more. Fresh wholesome ingredients are churned into mouthwatering creations on site.
Many of our recipes have been handed down through the family. You will find many baked goods that remind you of the homemade goodies you grew up with."
- Willy Hekman, owner Venturing beyond the store you’ll find something here for the whole clan. Many families have made a Halloween tradition of selecting their own pumpkin from the giant pumpkin patch. Others buy a pumpkin that’s already been picked. Young children are thrilled to engage in pedal karts, swings, slides, gigantic sandboxes and observing resident goats at play in the yard. Adults and teens enjoy fire pits and the Sunflower Lookout. In fair weather, wagon rides are offered on weekends from 11:00 am until 4:00 pm.
Of course, the regular COVID rules are in effect. There’s a 100 person capacity to enable social distancing and COVID tracing sign-in. Check out soup-to-go.ca for more information.
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Of course, everyone’s retirement dreams and needs are different, so you need to create a plan that is based on your own inputs. Here are the two most important inputs:
How much
do I need to Retire? The Covid-19 pandemic-related impacts on our lives are creating anxiety in a lot of ways. Many of my clients are conducting financial reviews to help get an up to date picture of their financial plans especially as it relates to retirement savings.
Fidelity’s rule of thumb:
This isn’t a fun activity at the best of times and it’s even less attractive when you suspect that you’re falling behind. My message to you is that ‘Knowledge is Power’.... you are much better off knowing where you stand relative to your goals vs. living in the dark (this is a major source of anxiety BTW).
• Aim to have savings of at least 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67.
At Brown Financial, we work hard to understand how our clients want to live in retirement and then collaboratively build and implement plans to make those dreams a reality.
So, where should you start? I like using ‘rules of thumb’ to give perspective on big, complex things like retirement planning. I recently read an article from my friends at Fidelity Investments that uses age-based ‘factors’ to indicate how well your savings plan is progressing. Here’s a summary of the article (note that this is a US-based article so some of the inputs are different here in Canada, but the concepts are the same). 14
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SAVE 10X YOUR INCOME BY AGE 67. Key takeaways
• Inputs that will impact your personal savings goal include the age you plan to retire and the lifestyle you hope to have in retirement.
1 / WHEN DO YOU PLAN TO RETIRE? The later you start retirement, the less you need to save and this reduces your ‘factors’. 2 / WHAT KIND OF LIFESTYLE DO YOU WANT IN RETIREMENT? The more you plan to spend, the more you need to save and this increases your ‘factors’.
What if you’re behind? If you’re under age 40, the simple answer is to save more and invest for growth through a diversified investment mix... If you’re over 40, the answer may be a combination of increased savings, reduced spending, and working longer, if possible. No matter what your age, focus on the goals ahead. Don’t be discouraged if you aren’t at your nearest milestone—there are ways to catch up to future milestones through planning and saving. The key is to get an understanding of your own situation, take action, and the earlier the better.
• If you’re behind, there are ways to catch up. The key is to take action. Fidelity’s savings factors are based on the assumption that a person saves 15% of their income annually beginning at age 25, invests more than 50% on average of their savings in stocks over their lifetime, retires at age 67, and plans to maintain their pre-retirement lifestyle in retirement. Based on those assumptions, we estimate that saving 10x (times) your pre-retirement income by age 67, together with other steps, should help ensure that you have enough income to maintain your current lifestyle in retirement. That 10x goal may seem ambitious. But you have many years to get there.
o: 905 690 5035 e: info@brownfinancial.com brownfinancial.com Work Hard. Retire Well. Leave a Legacy.
This information is intended to be educational and is not tailored to the investment needs of any specific investor. Retirement savings factors are hypothetical illustrations, do not reflect actual investment results or actual lifetime income, and are not guarantees of future results. Targets do not take into consideration the specific situation of any particular user, the composition of any particular account, or any particular investment or investment strategy. Individual users may need to save more or less than the savings target displayed depending on their inputs retirement age, life expectancy, market conditions, desired retirement lifestyle, and other factors. For a list of assumptions and other details, please visit: www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire
WATERDOWN
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PHARMACY
PROVIDING PROFESSIONAL DISPENSARY SERVICES INCLUDING MedsCheck (Comprehensive Medication Review), Blister Packaging, and Flu shots. Specialized Services featuring Smoking Cessation, Compression Therapy, Custom Renewals and more. We are open to help you during the COVID-19 Crisis. Call us or visit our website for information.
We would like to thank all of the many front line workers for all you have done to keep our community healthy and safe.
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Presentation Centre open 1 - 5 PM, Saturday to Thursday. 2 and 3 bedroom units available from the upper $400’s. Register at rockhavenrealty.com/5-hamilton
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Phil Calvano* Broker of Record
Cathy Calvano Sales Representative
Office: 905-689-7325 Direct: 905-516-6800 phil@rockhavenrealty.com 170 Rockhaven Lane, Waterdown, ON L8B 1B5
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